Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges
(Dollars in thousands)

Year ended December 31,			2003			2002			2001			2000			1999
Earnings:
	Net income from operations after tax		$	40,752			34,494			31,183			30,380			27,728
	Applicable income taxes			22,267			19,247			17,901			17,176			15,229
	Income before taxes			63,019			53,741			49,084			47,556			42,957
	Fixed charges:
		Interest expense excluding interest on deposits		5,000			5,662			6,786			10,748			8,455
		Portion of rents representative of interest		325			361			377			410			432
		Amortization of trust preferred securities issuance costs		961			95			95			95			95
	Fixed charges excluding interest on deposits			6,286			6,477			7,281			12,290			9,307
		Interest on deposits		43,614			59,797			87,198			91,041			74,560
	Fixed charges including interest on deposits		$	49,900			65,915			94,456			102,294			83,542
	Earnings before fixed charges excluding interest on deposits		$	69,305			59,859			56,342			58,809			51,939
	Earnings before fixed charges including interest on deposits			112,919			119,656			143,540			149,850			126,499
	Fixed charges excluding interest on deposits			6,286			6,118			7,258			11,253			8,982
	Fixed charges including interest on deposits			49,900			65,915			94,456			102,294			83,542
Ratio of Earnings to Fixed Charges:
	Excluding interest on deposits			11.03	x		9.78	x		7.76	x		5.23	x		5.78	x
	Including interest on deposits			2.26	x		1.82	x		1.52	x		1.46	x		1.51	x